1 Year before Retirement

Review health insurance options at your Y.If your Y does not provide any coverage for retirees, investigate other sources of health insurance coverage, such as coverage through a spouse (you will have 18 months to remain on your Y’s policy under COBRA).

Investigate state income taxes you’ll be paying in retirement.Many states have tax-advantaged rules for retirees.

90 Days before Retirement

If you intend to claim social security at the time you retire, notify them of your decision. Contact Social Security three months before your 65th birthday even if you won’t be retiring. Certain provisions of Medicare begin at 65. You must sign up for them at that time to avoid a penalty.